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Next Directory & Vodafone on Credit Report
I wern't sure where to put this (so mods please feel free to move as you see fit) but I've just checked my credit report and basically these two appear on it. I have no idea where they are from. Apparently the Vodafone one has a balance of £3 even though I have never missed a payment :confused: , yet I've never paid…
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a virgin/mbna rant!!
ggggrrrr.... I am so not a happy bunny. this is just a rant so feel free to ignore!! After doing a snowball calculator and deciding it was time to rid ourselves of credit cards i decided to take action. Starting with the Virgin card! So last month i paid an extra £500 (approx) of the balance.....i log on today to find this…
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Irish credit card
Hi all, New poster so be gentle :) My GF currently has a Bank of Ireland credit card which she took out approx 6 years ago whilst still living in Ireland (she is Irish) since living in the UK for the past 5 years she has been using and paying it off, the card being registered to whatever UK address she is staying at.…
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Tcd/xl/atol/dc/cc
new here not sure where this should go after Travel City Direct went down last year we put in a claim with ATOL there were 3 of us travelling bulk of payment was on my DC then one payment of £50 on another DC and another payment £160 on a CC card Total Holiday was £3800 after months they said claim should be with CC comp…
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Repayment spread sheet?
I am after a spread sheet where i can type in what i owe the interest rates and it will work out how much each month i will be paying off on minimum payments + if i was to pay back an extra £100 here and there? anyone? thanks chris.
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Virgin Credit Card Missed 1st Payment deadline
I have recently got a Virgin Mastercard Credit Card and transferred a balance from another card to take advantage of the 0% balance transfer deal. I received my statement advising payment due date 30/7. Stupidly as I had provided my bank details I assumed this would be taken by direct debit, I've checked my bank today and…
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Mint Credit Card
Hey, I have a mint card limit £2650 - i kept up with the monthly mimiumu payment they increases the apr etc and then I couldn't afford the minimum payments so i offered £35 a month and asked to freeze the interest. Didn't hear from them for 2 months so paid the £35. last month i recieved a default notice so i wrote to them…
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Defaulted on Credit Card Payment
Ok, I admit, I made a mistake by not checking my bank statements - I left where I was living and didn't collect the mail for a couple of months for good reasons. Things were hectic. Anyway, enough excuses, I was stupid. Apparently, I went overdrawn and the bank canceled the Direct Debit and the only time they phoned me…
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Hardship due to credit cards
I have been in touch with CCSB, CAB, payplan etc trying to get out of financial trouble due to interest charges etc on credit cards. as we are in a negative (more money going out than coming in) they are unable to help. is there any suggestions that anyone can give please. Also is there any help available with things like…
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As i have credit cards coming to an end and hope
to start paying them back over the next few months i still need a few 0% deals to cover me until then. please remind me where to check for the best 0% cards again and have their credit limits gone down as i have a few big amounts to move over. thanks again for everyone's help .really appreciated in advance.
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Am I in for a record or a dissapointment
FOS has ruled that MBNA must reconstruct my CC acc. removing PPI and any associated interesat and charges. The account goes back to 1993 and FOS has confirme dthe award had no restriction time-wise. The balance of the card has been on average £3k with PPi at 80p per £100. I've not heard back from them yet ( they have…
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MBNA caused me huge amounts of stress and now apology
They paid bazck the £156 they made me incurr for no reason and offered me £25 for the inconvenience. it put me through so much stress that it affected me being able to make some financial decisions and a range of other things. I wonder whether more can be done. it is now running out of its 0% period . i would have…
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Credit card issue with Tesco card may have missed the deadline for payment ...
and paid late. Why is affect my ability to get credit? I am usually very good at keeping things in order. All my other cards are on direct debit and for some reason (I need to check background on this although i know i asked Tesco to put me on a direct debit but this was not done). I am worried that although all of my…
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Barclaycard cheques ...how to use?
i have been sent some cheques (or 2 different ones) that they say is worth up to £5,000. I have some outstanding credit of about £1,500 but could do with a balance transfer from another card for a higher amount but i am confused whether this letter with the promotion actually means i can transfer this amount over. Can…
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Barclaycard high pressure debt collection
I didn't receive my last Barclaycard bill and therefore didn't settle in time (I always pay in full and have an excellent credit rating). I got a phone call from someone claiming to be from Barclaycard at 8.30 this evening. He said my payment was overdue by one day, but because I have such an excellent record I could…
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Credit Cards and Increasing their standard interest rates
Since May, I am aware of 2 credit card companies writting to their customers advising of their "difficult decision" to some rates due to the quote "steady worsening on the economic climate making it necessary to review customer accounts". The rates being increased are along the lines of from 15.9% p.a variable for…
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Removing CIFAS markers
I've got two fraud markers on my CIFAS report which I need removed (they are a result of my ex-partner using a stolen cheque book which I wasn't aware of). I've written to both companies and had one response so far saying they have removed the marker from my Credit File. Assuming the other company agrees (I have a letter…
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Santander CC Online Banking
So... A couple of months ago i took the plunge and did some card swapping.... great will save me a chunk of cash.... However, i later found out that both (Asda & Abbey) were through Santander... not a problem, but i cant seem to sign up for online banking with either of them! And because i work for a living and can't…
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Which of these cards most likely to offer BT for existing customer?
Hi I currently have three cards with similar amounts outstanding on each - Egg, Bank of Scotland mastercard and MBNA Platinum Plus. I've just had a savings plan mature which will allow me to pay off any one of the cards with a little bit left over. My ideal would be to pay off the one that would be most likely to offer me…
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Turning the tables on the PPI people?
This is my first post and I'm sure its far too cocky to use it start a new thread - but I wanted to pass on that when I took out a Virgin credit card to get the 14-month interest-free period on balance transfers with 2.98% fee (and 4% fee on bank account top-up), and I did the transfers to the max, the chap on the phone…
